ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 12,145

ASPCA Pet Health Insurance® is committed to making veterinary care more affordable for pet parents. Its Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice. Learn more about ASPCA’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Matthew

Acquiring Pet Insurance is best thing i ever did as a pet owner.

We have been pet owners for about 18 years, our rescue kitties died of old age, we took a break from pet ownership for about 2 years and decided to adopt (2) kittens, brother and sister who were abandoned, I had heard about pet insurance and was encouraged to get it so I did, we hadn't had insurance with our previous pets because we simply didn't know about it. Within 2 months of ownership our girl kitten Arya developed a limp, turns out to be "Patella Luxation" fancy word for her kneecap is out of the socket and wont go back in, between diagnosis, surgical consult, and actual surgery to repair it, the cost was significant, over $3000. ASPCA insurance not only paid most of the costs associated with the claim, they actually called me to see how Arya was doing during her recovery. Hands down, getting Pet insurance with ASPCA was the smartest thing I have ever done as a pet owner. I highly recommend anyone who owns a pet do the same and ASPCA was a great choice for our family.
5

out of 5

POSTED: | BY: Melissa

So grateful to have you in my life!

I love my dog with all my heart! She is a very sensitive dog. And has been going through and catching all the things. Without you guys I would be at a loss. Thank you thank you thank you from the bottom of my heart🙏
5

out of 5

POSTED: | BY: Brian

Wonderful service and response time!

The service is great, the app lets you to send all information instantly so your refund comes back quickly!
5

out of 5

POSTED: | BY: JC

This pet insurance was a game changer

This pet insurance was a game changer. Our rescued Chiweenie was able to get life changing back surgery to live a happy and pain free life. We were given an estimate prior to the surgery, which turned out to be exactly what was promised. The vet was paid directly. Great service. Thank you. Thank you.
5

out of 5

POSTED: | BY: Susannah Raulino

I am always happy with the ease of …

I am always happy with the ease of reimbursements for vet visits. Just scan and email the invoice and claim form. I always get more than I expected. And when I called recently to add two pets, I was told that they have new policies that are even better for dental and other things, so I signed up for that. Do ask questions, and they will explain waiting periods and coverage in detail. When signing up, I asked the rep to go slow so I could write it all down and decide and she was very nice about it. Good customer service and good coverage.

Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limits

Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option. No lifetime limits.

Deductible

$100, $250 or $500 annually.

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

There are no waiting periods for preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered. ASPCA Pet Health Insurance has two Preventive Care plans that can be added to help cover a pet’s wellness care, including annual exams, vaccinations, tests, dental cleanings and flea/heartworm preventive. Preventive Care plans reimburse up to a set amount for each listed treatment. If your pet exhibited symptoms of a knee and ligament condition at any time, prior to enrollment or during a waiting period, all ligament and knee conditions will be excluded. Ligament and Knee are conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee. Accident-Only coverage available.
ASPCA Pet Health Insurance®, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents. Their Complete Coverage(SM) plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice.  Preventive Care is available at an additional cost.

Get a quote today

Leave a review